I have an $11,000 debt is Discover card and have just received a summons to respond in court.
Some background info, I accumulated about $30,000 in credit card debt due to a gambling problem and being unemployed for 8 months. I settled with 3 out 4 credit card companies for 30% of the value and was able to avoid a lawsuit. Discover card is the only one that did not want to settle for that amount. As a fairness to the other settlements, I insisted on this percentage.
What are my legal crutches here? Can I insist that the court does not have jurisdiction as the company is in Delaware as the contract states that Deleware law shall prevail?
I need to sent this out response by Saturday, as the 28 day response period ends then due to the summons issued via mail.